If you are being subjected to the unethical practice of "balance billing," share your story here. Balance billing is a scam in which patients are lured into in-network hospitals on the assumption that their medical bills will be paid at 100% only to find, after the fact, that out-of-network health care "providers" were used. Then, Cigna's victims are the shocked to receive outlandish bills because they were intentionally deceived into believing that they were receiving in-network services.